ArtaKu

ArtaKu is a financial marketplace app that helps users apply for loans secured by BPKB (vehicle ownership) or SHM (land/house title) and connects applicants to nearby financial institutions such as BPRs, LKMs, or Pegadaian. Loans are offered for terms between 12–60 months with representative APRs ranging from 12% to 36% per year. All fees (admin, provision, interest) are displayed transparently before application, and users can pick lenders within a 30 km radius and monitor their application status in-app.

ArtaKu is registered with the Financial Services Authority (OJK) as a Financing Agent (S-533/IK.01/2024) and is an AFTECH member. Example pricing and clear repayment breakdowns are provided (e.g., IDR 10,000,000 over 12 months with a 24% APR and itemized fees). The platform emphasizes low monthly rates (under 1% per month where applicable), compliance, and straightforward contact channels (website, email, and phone) to support borrowers throughout the process.